<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 5901 <INT-BEARING-DEPOSITS> 2614 <FED-FUNDS-SOLD> 2050 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19017 <INVESTMENTS-CARRYING> 52094 <INVESTMENTS-MARKET> 51852 <LOANS> 172554 <ALLOWANCE> 1761 <TOTAL-ASSETS> 262290 <DEPOSITS> 207758 <SHORT-TERM> 13444 <LIABILITIES-OTHER> 1215 <LONG-TERM> 17075 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8654 <OTHER-SE> 14143 <TOTAL-LIABILITIES-AND-EQUITY> 262290 <INTEREST-LOAN> 10619 <INTEREST-INVEST> 2679 <INTEREST-OTHER> 151 <INTEREST-TOTAL> 13449 <INTEREST-DEPOSIT> 5561 <INTEREST-EXPENSE> 6238 <INTEREST-INCOME-NET> 7211 <LOAN-LOSSES> 321 <SECURITIES-GAINS> (19) <EXPENSE-OTHER> 5947 <INCOME-PRETAX> 2304 <INCOME-PRE-EXTRAORDINARY> 2304 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1715 <EPS-BASIC> .51 <EPS-DILUTED> .51 <YIELD-ACTUAL> 7.18 <LOANS-NON> 1137 <LOANS-PAST> 332 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1537 <ALLOWANCE-OPEN> 1715 <CHARGE-OFFS> 388 <RECOVERIES> 113 <ALLOWANCE-CLOSE> 1761 <ALLOWANCE-DOMESTIC> 1761 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 337